Swica Grundversicherung
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Standard model
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Free choice of doctor
General
General information:
Health insurance model «Grundversicherung» of the Swiss insurance company Swica.
Health insurance model:
Standard model: You can make use of any doctor, specialist or other healthcare service provider you choose. Premiums are higher than those of more limited models.
Choice of doctor:
Policyholders have free choice of doctors.
Medical partner:
Not specified.
Pharmacy choice:
You get free choice of pharmacy
Payment methods:
11.6% of payments are made using the tiers garant payment method, in which you pay and claim reimbursement.
88.3% of payments are tiers payant, meaning the bills are paid directly by the insurance (Swica).
88.3% of payments are tiers payant, meaning the bills are paid directly by the insurance (Swica).
Reimbursement:
The average waiting period before tiers garant reimbursement from Swica is 2.3 days.
Financial reserves:
The solvency ratio shows how available financial reserves compare to Federal Office of Public Health (FOPH) minimum reserve requirements. The solvency ratio of Swica is 138% (according to FOPH data). The minimum ratio required by the FOPH is 100%.
Number of policyholders:
A total of 754,833 people hold compulsory health insurance policies from Swica.
Additional child-discount:
Swica provides additional premium reductions from the third child onwards.
Administrative costs:
5.1% (ratio of adminstrative costs to risk-adjusted premiums as per BAG data).
Administrative costs per policyholder:
CHF 184 (as per the most recent BAG data).
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